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REVERSE "MORTGAGES" ARE SUBJECT TO SAME DEFENSES AS ANY OTHER HOMEOWNER TRANSACTION

1 Comment / foreclosure / By

CLICK HERE FOR FREE WEBINAR ON FRIDAY 4PM * I am getting a lot more inquiries about reverse mortgages in which Foreclosure is threatened. That’s far, there appears to be no difference in the challenges and offenses available to homeowner homeowners between what is ordinarily falsely described as a “conventional Loan” and a “reverse mortgage …

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Those letters from the lawyer for the "servicer": PHH

9 Comments / Corruption, discovery, Discovery -Subpoena, Fabrication of documents, foreclosure, foreclosure mill, hearsay, investment banking, legal standing, Presumptions, Servicer, sham transactions, TRIAL OBJECTIONS, trial strategy / By

It is true that someone will execute a release of the lien. What is not true is that they have any authority to do so — nor is it true that PHH has any right to receive any money, whether it is a monthly payment or a payoff. In fact it is not true that …

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Modifications Are Part of the Big Lie: Don't send that application for modification if you don't want to waive important rights.

5 Comments / foreclosure, Modification, Mortgage, sham transactions, standing / By

The application for modification licenses New Rez aka PHH aka Ocwen to sell, distribute the personal data and transaction data to third parties. Besides the obvious problems with data privacy, this confirms the apparent voluntary participation of the homeowner in a securities scheme that was and still is concealed from the homeowner. By filing the …

Modifications Are Part of the Big Lie: Don't send that application for modification if you don't want to waive important rights. Read More »

Processing Fees are more than illegal — by adding them to balance due, the default letter is defective.

2 Comments / boarding process, Corruption, discovery, Discovery -Subpoena, Fabrication of documents, foreclosure, foreclosure defenses, forgery, investment banking, Investor, prima facie case, securities fraud, Servicer, sham transactions, standing, TRIAL OBJECTIONS, trial strategy / By

This is simple logic. If illegal processing fees were greedily added to the “loan accounts” falsely asserted to exist, then the amount demanded from “borrowers” was incorrect. That would make the statements sent to borrowers part of a fraudulent scheme through US Mails which would be mail fraud. And it would make the notices of …

Processing Fees are more than illegal — by adding them to balance due, the default letter is defective. Read More »

Details in New York: Devil is in the Foreclosure

18 Comments / bubble, CDO, Corruption, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud / By

MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE Submitted by “One Observer” o Why would a non-performing loan be transferred into a Trust nearly 16 months AFTER the Trust’s closing date? o How many other mortgages were not deposited in accordance to this Trust’s Pooling & Servicing Agreement? o And if …

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ALLSTATE FILES SUIT LAYING OUT ALL THE ALLEGATIONS YOU NEED

72 Comments / bubble, CDO, Corruption, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud / By

COMBO Title and Securitization Search, Report, Documents, Analysis & Commentary REQUIRED READING 2.24.2011 Chase -Allstate-Complaint JUST LOOKING AT THE TABLE OF CONTENT WILL TELL YOU WHAT YOU NEED TO KNOW NATURE OF ACTION …………………………………………………………………………………………………….1 PARTIES ………………………………………………………………………………………………………………………..7 JURISDICTION AND VENUE ……………………………………………………………………………………….16 BACKGROUND ……………………………………………………………………………………………………………17 A.    THE MECHANICS OF MORTGAGE SECURITIZATION …………………………………….17 B.    SECURITIZATION OF MORTGAGE LOANS: THE …

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